Producer Owned Reinsurance Company for Contractors

Build a Producer Owned Reinsurance Company (PORC) that helps your contracting business retain underwriting profits, control warranty risk, and replace costly third-party providers. WarrantyRE guides contractors through setup, compliance, claims administration, and ongoing optimization so your labor warranty program becomes a stronger profit center instead of a recurring expense.

Contractor reviewing PORC warranty reinsurance strategy

Our Producer Owned Reinsurance Company Services

Contractor-focused reinsurance solutions designed to replace third-party warranty providers and keep underwriting profits in your business.

PORC Setup

Establish your own contractor-owned reinsurance company with guidance on formation, structure design, legal setup, and implementation tailored to labor warranty programs.

Warranty Administration

Get full-service support for claims adjudication, bookkeeping, reporting, renewals, and ongoing administration so your PORC runs efficiently without adding internal burden.

HVAC Reinsurance

Reinsure labor warranties on furnaces, AC systems, heat pumps, and mini splits while retaining unused funds and underwriting profits inside your own structure.

Plumbing Reinsurance

Protect plumbing service work with a contractor-owned reinsurance structure that helps reduce callback costs and keeps warranty-related profits under your control.

Electrical Reinsurance

Support electrical labor warranties through a PORC model that builds warranty fees into job pricing and preserves underwriting gains for your company.

Roofing Reinsurance

Create a reinsurance-backed roofing warranty program that helps manage claim exposure, fund obligations properly, and retain profits from every qualifying job.

Contractor-Owned Structure

Turn Warranty Costs Into Owned Profit

A Producer Owned Reinsurance Company gives contractors a smarter way to manage labor warranty exposure while keeping underwriting profits that would otherwise go to outside providers. WarrantyRE handles formation, compliance, claims administration, reporting, and training, helping your business build a tax-advantaged structure that supports stronger margins, better customer experience, and long-term financial control.

Consultant explaining contractor-owned reinsurance benefits
Proven Results

Success Stories

See how business owners use reinsurance structures to improve profitability and control warranty performance.

"We've been very pleased with our relationship with WarrantyRE and assured vehicle protection."

Rob & Dale Fisher

"The program that they put together is just perfect for our organization!"

Andrew Wiley

"Our Family Advantage Program has allowed us offer our customers a warranty that my dealer competitors can't come close to offering."

Jody Midgette

"WarrantyRE is professional, friendly, and very accurate in all of their reporting!"

Darla Booher

"Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business."

Tracy Myers

"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."

Michael Darrow

"We've been very pleased with our relationship with WarrantyRE and assured vehicle protection."

Rob & Dale Fisher

"The program that they put together is just perfect for our organization!"

Andrew Wiley

"Our Family Advantage Program has allowed us offer our customers a warranty that my dealer competitors can't come close to offering."

Jody Midgette

"WarrantyRE is professional, friendly, and very accurate in all of their reporting!"

Darla Booher

"Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business."

Tracy Myers

"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."

Michael Darrow

"We've been very pleased with our relationship with WarrantyRE and assured vehicle protection."

Rob & Dale Fisher

"The program that they put together is just perfect for our organization!"

Andrew Wiley

"Our Family Advantage Program has allowed us offer our customers a warranty that my dealer competitors can't come close to offering."

Jody Midgette

"WarrantyRE is professional, friendly, and very accurate in all of their reporting!"

Darla Booher

"Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business."

Tracy Myers

"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."

Michael Darrow
The WarrantyRE Difference

Why Choose WarrantyRE?

Contractors trust WarrantyRE for experienced guidance, full administration, and a proven reinsurance model built for long-term value.

Since 1994

More than 30 years of reinsurance experience supporting business owners with proven program design.

Full Administration

We manage claims, bookkeeping, filings, renewals, reporting, and compliance from start to finish.

Contractor Focus

Programs are tailored for HVAC, plumbing, electrical, roofing, and broader home service contractors.

Profit Retention

Your company keeps underwriting profits instead of sending recurring warranty dollars to third parties.

Meet The WarrantyRE Team

Experienced leaders guiding contractor reinsurance programs nationwide.

Tim Byrd, Founder

Tim Byrd

Founder

Tim Byrd founded WarrantyRE in 1994 in Southeast Virginia with a vision to help business owners build more efficient and profitable warranty programs. Over the decades, he has guided the company from its roots in automotive reinsurance into expanded solutions for home service industries, including HVAC. His experience centers on helping owners replace third-party warranty arrangements with contractor-owned structures that retain underwriting profits and improve long-term financial performance. Tim's leadership has shaped WarrantyRE's reputation for practical guidance, compliance-minded administration, and relationship-driven service. His work continues to focus on helping HVAC contractors create stronger businesses through smarter warranty strategy, better customer experience, and sustainable recurring revenue opportunities.

Taylor Byrd, President

Taylor Byrd

President

As President of WarrantyRE, Taylor Byrd helps lead the company's continued growth in contractor and dealer reinsurance solutions. Taylor supports clients through program development, operational alignment, and long-term strategy designed to help owners keep more of the profits generated by their warranty offerings. With WarrantyRE's decades-long foundation behind her, she plays a key role in maintaining a high standard of service while expanding the company's reach into industries like HVAC. Her leadership supports a client experience centered on clarity, responsiveness, and measurable business value. Taylor works to ensure contractors receive the structure, support, and administrative resources needed to launch and manage reinsurance programs with confidence and consistency.

Parker Byrd, Vice President

Parker Byrd

Vice President

Parker Byrd joined WarrantyRE in 2018 after serving six years in the United States Army as a Crew-Chief on CH-47 helicopters. As Vice President, he brings discipline, operational focus, and a service-first mindset to the company's work with contractors and dealers. Parker supports clients as they establish new reinsurance companies and navigate the practical steps involved in building profitable warranty programs. His background reflects a strong commitment to structure, accountability, and helping businesses operate more effectively. For HVAC contractors, that means working with a team leader who understands the importance of dependable systems, clear processes, and long-term planning. Parker's role helps ensure clients receive steady guidance as they transition away from third-party warranty providers toward ownership and profit retention.

Heather Spruill, Office Manager and Controller

Heather Spruill

Office Manager / Controller

Heather Spruill joined WarrantyRE in 2013 after earning her MBA and has become a key part of the company’s day-to-day operations and financial oversight. As Office Manager and Controller, she helps ensure clients receive responsive support and organized administration throughout the life of their warranty programs. Her role is especially valuable for contractors who need dependable coordination around reporting, documentation, and internal processes. Heather is known for her commitment to clients and her ability to keep complex workflows moving smoothly, which supports the high-touch service model WarrantyRE is known for. Her blend of financial knowledge, operational discipline, and customer care helps roofing contractors feel supported as they transition to a contractor-owned workmanship warranty structure.

Kristi Cashman VP of Business Development headshot

Kristi Cashman

VP of Business Development

Kristi Cashman brings strategic management and marketing expertise to WarrantyRE's client growth efforts. With a passion for helping individuals and businesses reach their highest potential, she works closely with clients who want to improve efficiency, productivity, and profitability through reinsurance. As VP of Business Development, Kristi helps communicate the value of contractor-owned warranty programs in a way that is practical, clear, and growth-focused. Her background supports businesses that need both strategic insight and actionable guidance as they evaluate alternatives to third-party warranty providers. Kristi's ability to connect business goals with operational solutions makes her a valuable resource for contractors looking to build stronger margins and long-term customer loyalty.

Brenda West headshot

Brenda West

Account Manager

Brenda West brings more than 20 years of insurance industry experience to her role as Account Manager at WarrantyRE. Her background also includes financial experience as an F&I Manager at a successful dealership, giving her a strong understanding of program performance, customer-facing products, and profitability. That combination helps her support clients with practical insight as they establish and manage their own warranty reinsurance structures. Brenda understands how important clarity, responsiveness, and follow-through are when businesses are making strategic financial decisions. Her experience helps clients feel supported throughout the process, from setup questions to ongoing account needs, making her a dependable point of contact for businesses seeking a more profitable warranty model.

Courtney Norville headshot

Courtney Norville

Business Development Associate

Courtney Norville joined WarrantyRE in 2023, bringing organizational strength and detail-oriented support developed through her background in property management. In her role as Business Development Associate, she assists clients as they form new companies and move through the early stages of implementation. Her ability to keep processes organized and communication clear is especially valuable for contractors navigating the setup of a new warranty reinsurance structure. Courtney helps ensure clients have the support they need during a critical phase of program development, contributing to a smoother onboarding experience. Her practical mindset and commitment to service make her an important part of the team that helps businesses launch with confidence.

Ryleigh headshot

Ryleigh

Administrative Assistant

Ryleigh joined WarrantyRE in 2020 and quickly became a valued part of the team through her strong desire to help others and support daily operations. As Administrative Assistant, she contributes to the organized, responsive experience clients rely on when working through program setup and ongoing administration. Her role helps keep communication moving, details managed, and internal processes supported so the broader team can serve clients efficiently. Ryleigh's dependable approach and positive attitude strengthen the client experience behind the scenes, especially for businesses that need timely answers and coordinated support. She represents the kind of attentive service that helps WarrantyRE maintain long-term relationships with the contractors and dealers it serves.

Frequently Asked Questions

What is a producer-owned reinsurance company?

A producer-owned reinsurance company, often called a PORC, is a business structure that allows a contractor to reinsure its own warranty obligations instead of paying a third-party provider to keep those profits. In practice, warranty fees are built into job pricing, claims are administered through the program, and underwriting profits can remain with the contractor in a tax-advantaged structure.

How does a PORC help contractors make more money?

Which types of contractors can use a PORC?

Is a PORC the same as selling a warranty to homeowners?

What does WarrantyRE handle during setup and administration?

How are claims managed in a contractor-owned reinsurance program?

How long does it take to establish a PORC for a contracting business?

Why choose a PORC instead of a third-party warranty company?

Still Have Questions About PORCs?

Talk with our team about setup, administration, and contractor fit.

Nationwide Service Areas

WarrantyRE supports contractors across the United States with guided PORC setup and ongoing administration.

Nationwide U.S.

Coverage

30+ Years

Experience

400+ Businesses

Clients Served

Need Coverage In Your Market?

Ask if your contractor business is a fit.

Trusted Experience

Awards and Recognition

Since 1994 trust badge

Since 1994

Decades of reinsurance program experience.

400 plus clients trust badge

400+ Clients

Proven track record serving business owners.

Industry sponsor trust badge

Industry Sponsor

Active supporter of industry associations.

Build Your Contractor-Owned Reinsurance Strategy

Share a few details about your business and warranty program goals. Our team will review your contractor model, explain how a PORC works, and outline the next steps for setup and administration.

Contact Us Today

For immediate assistance, feel free to give us a direct call at (804) 824-9533.